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Mrs. Pumpkin, Saskatchewan, Canada Blogger Since: April 10, 2007 Age and Occupation: 28, Lawyer Fiance's Age and Occupation: 29, Farmer Engagement Date: July 14, 2006 Wedding Date: June, 2007 About Me: I love movies, music and I am addicted to TV. When I have some spare time I also love scrapbooking and making personalized greeting cards and above all playing Hide & Seek or Duck, Duck, Goose with my two adorable nieces!
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It’s The Root Of All Evil

June 2nd, 2007 @ 4:18 pm by Mrs. Pumpkin

…and of strife and upheaval! But I’m certain honey, that life would be sunny, with plenty of money and you!

Money is never a safe topic, but it may never be more dangerous than at the beginning of planning a wedding. The average cost of weddings are climbing like crazy, and the “need” to have the best of everything can drive you nuts! How do you combat all of this? With a well thought out and properly constructed budget. There have been a couple of posts on Weddingbee in the past about what all should go into your budget and what percentage of your budget should be spent on what part of the wedding, but what about the very first step? How do you know how much you can or should spend? Who will contribute to the costs and how much will they give?

In most cases it will happen in one of two ways: you will either know how much you can spend first before you really start planning anything or you will be asked by people who are contributing, or just may want to determine for yourself first, what a wedding will cost. This can be a very hard question to answer at the beginning of planning as you have yet to see what is truly out there in terms of options for you and you have so many decisions ahead of you, some you may not even know about yet! In our case the wedding will be paid by both sets of parents as well as by us, in an unequal three way split.

The situation with my parents was easy because we had a built in precedent to work with. I have two older brothers and they are both married. When the first brother got engaged my parents decided that they were going to give each of their children some money for a wedding, honeymoon, down payment on a house, or whatever we wanted and that they were going to give each child the same amount. Once Mr. Pumpkin and I were engaged the offer was made by my parents to contribute to the wedding and Mr. Pumpkin and I gladly accepted.

Mr. Pumpkin’s family was a bit different in that he was the first of his 3 brothers to get engaged, though his younger brother got engaged shortly after we did, so there was no plan in place yet. His parents decided to do the exact same thing as my parents and offer each engaged child a lump sum of money to do with whatever they wished, but they wanted to know what the wedding would cost first. At the time I found this to be a very frustrating way to talk about the wedding because it was completely circular. I couldn’t make decisions about big ticket items like the venue until I knew how much money I was working with, and they wanted to know what it would cost before they decided how much they would contribute. In the end we created a mock budget of what we thought it would cost and gave that number to them. Once again, an offer was made and gladly accepted.

We then sat down as a couple to look at what we could afford to contribute to the pile and started working with the sum of all three numbers as our budget. Unfortunately, that budget has since slowly expanded, but we have tried as hard as possible to stay on track. In our case it was the venue and the cost of the meals that really pushed us beyond our original budget. So if you are working with parents or sponsors who have some flexibility in their contributions, I highly suggest choosing a venue and meal first before you come up with a number for what the wedding may cost.

Anyway you cut it, budget negotiations are tough! Who pays for what and how much so & so is contributing can lead to awkward conversations. I found it extremely uncomfortable, especially when each set of parents wanted to know what the other was giving us. As I have alluded to before, Mr. Pumpkin comes from a farming family who is very rich in love but is not as concerned with material things as my parents are. My father works really hard to give us a wonderful life, and that has been a blessing, but I felt that it was unfair to expect Mr. Pumpkin’s parents to contribute the same amount as my parents were. On the other hand though - I don’t *really* know what they can afford and what they can’t so I didn’t want to insult them by presuming that they couldn’t afford to contribute the same amount. I just hated the whole process, walking that fine line between trying to be sensitive to their financial situation without devaluing their contribution was terrible. :(

Eventually both sets of parents came up with separate numbers for us and I am pretty sure that neither side knows what the other is contributing. This is exactly the way I want it. There is no need for anyone to feel anything but happy and proud when they think about this wedding, and competition over money is the quickest way to have hurt feelings as far as I am concerned. We are so grateful for any sort of help from our parents and that is all that they need to know.

There are many other ways that budgets are determined. The traditional Bride’s-family-pays-for-everything way of looking at weddings has pretty much gone the way of the Dodo. The Bride’s parents may still pay for everything but that expectation is gone now. It is much more common that it ends up being some sort of combo or three way split. I have also heard of people splitting up the costs of actual items (ie: Groom’s family pays for rehearsal and dinner, Bride’s family hosts the wedding reception, Groom pays for rings, Bride pays for dress, etc…). And the other arrangement that I have heard of but do not know much about is the wedding sponsor situation. In these arrangements I believe that many people contribute to the wedding but I have no idea who can/should contribute and how they decide what to contribute. If any readers or Bees know more about this please drop some knowledge on us all!

How did you come up with your budget? Did you have similar family politics to navigate through? Any tips for those bride-to-be’s about to start these budget negotiations?

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21 Responses to “It’s The Root Of All Evil”

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Andrea

Well, this is my 2nd marriage, so we are on our own as far as my parents are concerned. They are able and willing to contribute ’sweat equity’ and my dad had a connection that got us the church for $100, so it works out. As a couple, we sat down and decided what we thought we should/could spend and have been trying our hardest to stick to it! And his mom is paying for the rehearsal dinner, so that is a huge help!

 
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lil'k

Thanks for your post, Miss Pumpkin. Money is such a touchy issue. In my case, my husband’s family is wealthier than mine. His parents were generous and offered to pay for the reception venue and food while my husband and I and my mother split the cost of everything else.

 
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Robyn

I unfortunately have not been lucky in the money situation. My mother (my parents are seperated) was easy she told me before my FI and I officially got engaged that she would help, she picked up a few extra jobs and is contributing at the very least 1/3 of what we want to spend on the wedding. My FI’s parents are financially better off than my mother but they have helped us out so much through college by paying for Tom’s car, sending us money and buying $500 worth of stuff everytime they come to visit, we really don’t want to ask them to pay a third so currently they are going to pay the deposits however, I can’t get my FI to discuss money further with them so I don’t know beyond that. My father is the most difficult piece of the puzzle, he is extremely well off but equates love and money, and because his parents never helped him, he believes that I should learn on my own. My father is very tricky to deal with and were I to ask him straight out to contribute to my wedding he would say no and it would be the end, instead its better to let him to get used to things slowly and hope that he decides to contribute every now and then.

I really do not reccomend doing things the way I have, we have a deposit down on the reception site, a date set, and are in full the swing of wedding planning, but have no idea how much anyone is contributing or what we are selves are able to contribute (neither of our jobs are predictible enough). Unfortunately its the way things have happened, but I really reccomend finding out first how much you can afford and going from there. The only thing I really know is the maximum of what I want my wedding to cost, from there I’m still figuring things out.

Just a note before anyone things I’m absolutely nuts, I know that my mom is contributing 1/3 of the max I’m willing to spend and my FI and I should at the very least be able to match that, and if need be my FIs parents can too, so I’m not completely clueless about what money is available I just don’t know beyond a certain point, but I did make sure I had enough to get the bare minimum wedding requirements.

 
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Sarah

My fiance’s parents would love nothing more than to throw piles of cash at the event, but since my dad absolutely cannot afford to contribute, we decided to fund it ourselves rather than make him uncomfortable. The FILs have found other ancillary events to throw money at, but the ceremony and reception are all us. I’d rather turn down free money than make my dad unhappy.

 
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kandaceandjason

We don’t have a budget. I know that sounds weird, but with so many people (bees included!) talking about how they always managed to go over budget, even though they were “really careful” about everything, it just seemed like it would be something that didn’t really mean much in the end. I guess I can say our budget is a million dollars and then be happy that we spend nowhere near that, but it’s not realistic.

My mom is contributing to certain things (my dress and alterations, my sister’s bridesmaid dress, various little items for gifts) and FH’s parents are helping with some things (rehearsal dinner, letting us use their lakehouse for a party) but mostly it’s just the two of us. My dad, though I know he would love to help, has been out of work since before Christmas and even with his new part-time job, he’s still on unemployment. His contributions will have to come from non-monetary outlets, like building things or letting us borrow items. When, and if, he regains financial footing, he may try to contribute. I know it hurts him not to be able to pay for all of it, especially since my mom paid for all of my school.

The rest of it is up to FH and me. I’ve just started working part-time, too, even though I have a degree I can’t seem to find a real job. FH works for his father so he gets paid well. The rest is going on 0% APR credit cards and will be dealt with months after our wedding. Ideally, I will have a better paying job by then, and if not, we will use wedding gift money. To us, it’s worth it to throw a great party without having to cut back on the guest list. That’s the best “gift” we could ask for, to get all of our friends and families from all over the country together for a big party, and we’re willing to sacrifice for it.

 
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suzi

My cousin Katie had a sponser for her wedding. In her case, she and her FI planned on paying for everything themselves. Her father isn’t well off, due to health concerns and his dad isn’t well off. Her father ended up pitching in for the cake and dress while his parents paid for the rehearsal and dinner.
Her neighbors upon hearing that she was trying to fund her own wedding offered to pay for the reception as their wedding present to them. It wasn’t an elaborate reception nor was it fancy, but everyone had a good time. Aka we all got to eat for free. :-D She’s eternally grateful that someone offered to pay for the reception b/c she knows she couldn’t have afforded more than just a cake reception on her own. Nor would she have asked anyone to pay for it.

 
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AMK

We really didn’t have a budget, either, aside from what we very roughly guessed things might cost. We intended to pay for everything ourselves, getting a small loan if necessary and paying it back out of equity when we sell my house after the wedding.

My parents surprised us with a very generous gift and I think we will end up about $10K over our original (uneducated) guess, but that includes our honeymoon. His parents have not offered anything and I don’t know whether they will, which is not a problem since we never counted on anyone’s help.

 
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Keny

We decided in the very beginning that we would do a three way split. My father is paying for the caterer (we’re having our reception in my in laws backyard), rentals would be paid by my fiance’s parents, and we would pay for the florist, photographer, dress, tux rentals, and decorations. It’s working out pretty well too. We’ve gone over budget on some things, but we’ve just cut back in others.

 
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thistleorchid

I guess we’re pretty traditional. My sister was married nine years ago and there was no budget. My parents paid for the wedding and essentially took costs as they came. In other words, was this the best deal for the type of thing that he wanted to have? And eventually things added up and now he has a sense of what the wedding will cost (plue nine year’s interest).

My parents are paying for the ceremony and reception (including flowers, band, string quartet, alcohol, etc), invitations, my dress, my sister’s bridesmaid dress, the flowergirl and ringbearer outfits (my sister’s kids, their grandkids).

My fiance’s parents are paying for the rehearsal dinner and their own attire. They are also contributing to the at home reception in their backyard a couple weeks after the wedding (which is out of the country, where I’m from)

My fiance and I are paying for the officiant, out of town boxes, our honeymoon, the rings, and most of the at home reception.

Everyone is paying for their own airline tickets to the event (in Costa Rica, which is where I was born and raised).

 
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bethgraced

My parents have always assumed that they would be paying for the wedding (I’ve been encouraged to elope since I was 5), even though they really don’t have much money to throw around. However, when I told my mom the wedding would be in Chicago (6-7 hours from where they live), she told me she didn’t think they’d be able to help. So I thought the whole burden was going to be on FH and I. We decided on a budget of $5,000. It eventually came out that I’d misunderstood my mom, and that by ‘help’ she meant with planning and that sort of thing, and that they were still planning on helping and were giving us $6,000.

We’re still trying to keep it under $5,000, but if it goes up to 6, it won’t be a big deal. We also expect that FH’s parents will contribute, though we aren’t asking them to at this point, beyond the rehearsal dinner.

 
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Julie

That’s very nice that both your parents and his parents have offered to contribute. One of the things that irks me about my mother-in-law is how she claims on being such a feminist and that men and women should be treated the same, there should be no difference in raising children, how she doesn’t believe in anything old-fashioned, but then when we started planning a wedding, she turned up her nose and said “Thank goodness I have a son and I don’t have to help pay because it is tradition that the bride’s family pays.”
She later then offered to pay for our band, so we listed to a bunch of bands, asked for a figure, and she agreed to pay for the band that we wanted. A few days later, after we put down the deposit, she decided that she only wanted to pay $5,000 towards the band, and left us stuck paying for the rest, which we weren’t planning on. Now, I’m left with only $415 total to pay for my dress and all alterations!

 
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damis

wow,julie, ur MIL is a trip! would you reconsider spending $5000 on the band and $415 on your dress? after all the band lives for the bride not the bride living for the band!!you could get your fiance to speak with his mom about honoring the original offer…if not, if its not too late you can get your deposit back and pay a little maybe 5% cancellation fee, get the dress that would make you happiest and then start looking for a great DJ for all you are worth!!

 
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Julie

Haha, thanks for the suggestion damis. Unfortunately, I already paid a $2500 non-refundable deposit for the band, so canceling is out of the question. We’re hoping that his mother will change her mind soon — it’s not like money is an issue, as her newest raise put her into the 6-figure salary, so obviously she can afford to spend more than $5000 on the wedding. I’m not trying to sound GREEDY here, but it’s tough on us financially when she offered us the full amount for the band, and then withdrew the offer after we put down the deposit. Money is a little tight for us, since I’m an oncology Ph.D. student and my fiance is finishing up his last year of medical school. Luckily, my parents have been VERY generous with helping us out, because there is no way we could afford to pull off a wedding on our own without taking out tons of loans!

 
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k

though i am nowhere near getting married reading these posts are always so interesting because it gets me thinking.

my parents are divorced too and awhile back when i was with an exbf my father had asked me when i was getting married because he had to save up. now that im older its a personal decision that i dont want to take any money from him and as little as possible from my mom (my parents are divorced as well).

it’s just my belief that a couple shouldn’t get married until they can fully finance it themselves. why? because if you NEED donations to make things work then you cannot possibly be financially even ready to be married! weddings these days can cost an arm and a leg and the last i would want is to start my marriage in debt.

having both people have debt individually and together is difficult because money can become such a touchy subject not just for the couple but for the families as well.

but thats just my humble opinion. i’d like me and my SO to be financially stable and actually ABLE to afford a wedding. that and it would make sense especially when investing in property together in the future!

 
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Julie

K-
While that is a very nice idea in theory (to not get married until you can totally finance a wedding on your own), I don’t always think it is the most practical in the long run.
I am a biomedical Ph.D. student in oncology. While I am lucky enough to have no undergraduate debt and make a small stipend, after housing, bills, and groceries are paid for, I am able to bank about $300/month (I have a friend who only works at Starbucks 35 hours/week, and makes more than I do). My fiance is finishing up medical school, and will be graduating over $250K in debt between undergrad and medical school.
My Ph.D. program will be a minimum of 6 years, after which I will do an academic post-doctoral program, and will be lucky to make $42,000/year. My fiance will be a resident, so he’ll have an M.D., and he won’t me making much more, plus he’ll have all his loans to pay off.
By the time the loans were paid off and we could afford a wedding, we would probably be into our early 40s. Seeing as how we would like to have children, I don’t think that is remotely practical for us to wait until we can afford things on our own. I also don’t think it would be fair for us to have to sacrifice our desire for children just because we chose to pursue higher education. Had we both taken a job after college we could have saved up… but why be punished because we both wanted to enter the field of medicine?
My mother always told me that if you want until you can afford to have children, you’ve waited too long — and I think that is probably true in the instance of marriage in many cases.

 
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k

julie,

good points! life isn’t perfect and you make it work where you can, i completely understand that.

i dont think you should get punished because you wanted to pursue a higher education, just for me personally i think it would be a tough choice because yes i do want to have kids someday as well, but if i were still heavily in debt it would make me worry about how i would be able to support the child (since they are expensive).

but these may just be my over paranoid thoughts! in the end, people achieve this everyday and it has brought them countless love and blessing :)

 
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Miss Pumpkin

Hi K,
I just wanted to mention that in many cases just because someone else may contribute to a wedding doesn’t necessarily mean that the Bride & Groom couldn’t have hosted the wedding themselves, it just may mean that they get to throw a bigger or better party than they could do on their own.
While I totally respect the idea of complete independence, I think we could all use a little help now and again so if someone would like to help give you a beautiful wedding day I say graciously accept the offer and have fun splurging on something that was beyond your means before the extra money was there!

 
18.
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pinky

My FH and I too have student loans to pay off and have accepted help from both our Moms (who are both single parents) throughout the past few post college years. We planned the least expensive wedding we could in our initial budget which was still too much for us to afford and we’re talking about 5K for a 60 person dinner reception. We decided this because we felt we didnt want to burden our families who are paying for my sisters college and saving for retirement.
We then found out that they would be offended if we refused to accept their contributions! We’re lucky to have Mom’s who love us and want to give us money for our wedding despite us having humble aspirations. What we’ve done with these contributions is added an open bar (instead of just beer and wine) but kept the rest of the costs the same so that we now have to don’t use up all of our savings on our wedding.

I agree with Miss Pumpkin, celebrating a wedding is almost as important to parents as it is to the couple and if they want to help out it’s in good grace to accept. What would be in bad taste though I think is to insist on your parents spending on items you wouldn’t have purchased yourself anyway.

 
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lily

here’s from an asian american’s point of view. in chinese culture, the groom’s side of the family pays for everything plus a dowry in the form of $$$. if groom’s can’ afford it, his family gets involved and helps. so all girls in my immediate/extended family went through that. well my FI’s sisters both are married to americans so i think the brides paid for everything. so imagine my FI’s face when he heard of this. btw, he’s chinese…just much more americanized than i am. yeah, he was pissed. so “he” decided he didn’t want to get his parents involved and that we would pay for it ourselves. so we came up with a budget by just estimating how much things might cost us (with the help of those mags. with budget tips) and where we were going to cut corners. so as far as i know, his parents assumes we’re handling it ourselves (true) and mine think he’s paying for it all.

 
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Jen

We made up a “budget” just in terms of what we think we can afford, and what the options we really want generally cost.

It’s really helping to keep us in line in terms of “needs” and “wants” - especially since as soon as you attach the word wedding to anything, the prices soar!

While many of our options certainly aren’t “budget” options or “cost-saving” ideas for the sake of doing things on the cheap (our wedding will be about $30k, the honeymoon about $15k), we feel confident that our budget, and shopping around so that we can save on things we don’t consider as important, and splurge on what we do - though without getting ripped off, is really helping us stay on track so we don’t end up in debt.

 
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Mrs. Pumpkin
Mrs. Pumpkin

Mrs. Pumpkin, Saskatchewan, Canada Blogger Since: April 10, 2007 Age and Occupation: 28, Lawyer Fiance's Age and Occupation: 29, Farmer Engagement Date: July 14, 2006 Wedding Date: June, 2007 About Me: I love movies, music and I am addicted to TV. When I have some spare time I also love scrapbooking and making personalized greeting cards and above all playing Hide & Seek or Duck, Duck, Goose with my two adorable nieces!

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